Call reports 2007
TRADERS BANK, INC. — 2007
What TRADERS BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 104,041,000 | 106,743,000 | 106,027,000 | 105,322,000 |
| Total loans | 47,141,000 | 50,374,000 | 56,362,000 | 55,822,000 |
| Allowance for loan losses | 2,212,000 | 2,216,000 | 2,310,000 | 2,191,000 |
| Securities available for sale | 43,629,000 | 41,899,000 | 39,271,000 | 35,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,340,000 | 94,318,000 | 93,161,000 | 92,305,000 |
| Interest-bearing deposits | 73,854,000 | 76,024,000 | 75,465,000 | 75,033,000 |
| Noninterest-bearing deposits | 17,486,000 | 18,294,000 | 17,696,000 | 17,272,000 |
| Equity capital | 12,026,000 | 11,785,000 | 12,247,000 | 12,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,583,000 | 3,149,000 | 4,835,000 | 6,435,000 |
| Interest expense | 520,000 | 1,087,000 | 1,675,000 | 2,254,000 |
| Net interest income | 1,063,000 | 2,062,000 | 3,160,000 | 4,181,000 |
| Noninterest income | 132,000 | 302,000 | 482,000 | 639,000 |
| Noninterest expense | 1,010,000 | 2,125,000 | 3,216,000 | 4,387,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 185,000 | 239,000 | 424,000 | 431,000 |
| Income tax | 59,000 | 65,000 | 135,000 | 180,000 |
| Net income | 126,000 | 174,000 | 289,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,148,000 | 12,196,000 | 12,311,000 | 12,274,000 |
| Total capital | 12,148,000 | 12,942,000 | 13,085,000 | 13,018,000 |
| Risk-weighted assets | 53,877,000 | 57,416,000 | 60,441,000 | 58,880,000 |